COBLY
ActiveCOBLY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €72k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+59
Solvency49▼-25
Growth58▲+6
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.56 in 2024; short-term debt: 76% and cash: 20.6% of total assets), and 76% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24%
Return on assets
31.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
41 d late
2023
29 d late
2022
30 d late
2021
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€55k▼ 54.6%
2024 · €121k
2021: €59k
2022: €135k
2023: €288k
2024: €121k
2021 → 2025
Total assets
€230k▼ 7.7%
2024 · €249k
2021: €72k
2022: €232k
2023: €320k
2024: €249k
2021 → 2025
Net result
€72k
2024 · €-49k
2021: €56k
2022: €77k
2023: €152k
2024: €-49k
2021 → 2025
Working capital
€7k▼ 89.7%
2024 · €72k
2021: €58k
2022: €45k
2023: €170k
2024: €72k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€135k▲ 130%€288k▲ 113%€121k▼ 57.8%€55k▼ 54.6%
Operating result€72k-€99k▲ 38.1%€107k▲ 7.5%€8k▼ 92.6%€81k▲ 932%
Net result€56k-€77k▲ 36.8%€152k▲ 99.2%€-49k€72k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 932% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€48k▼ 3.6%
Current assets
€182k▼ 8.7%
Equity and liabilities €230k
Equity
€55k▼ 54.6%
Debt
€175k▲ 37.0%
The debt ratio rises from 51.2% to 76.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€89k▲
2024 · €14k
Cash flow
€80k▲
2024 · €-43k
Solvency
24.0%▼
2024 · 48.8%
Current ratio
1.04▼
2024 · 1.56
Quick ratio
1.04▼
2024 · 1.56
Debt / equity
3.17▲
2024 · 1.05
ROE
130.8%▲
2024 · -40.7%
ROA
31.4%▲
2024 · -19.8%
Interest coverage
36.80▲
2024 · 4.91
Debt
€175k▲
2024 · €127k
Debt ≤ 1 year
€175k▲
2024 · €127k
Income taxes
€23k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€249k€230k▼
Fixed assets21/28€50k€48k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€33k€32k▼
Furniture and vehicles24€9k€6k▼
Other tangible fixed assets26€24k€26k▲
Financial fixed assets28€13k€13k=
Current assets29/58€199k€182k▼
Amounts receivable within one year40/41€100k€50k▼
Trade receivables40€7k€29k▲
Other amounts receivable41€92k€21k▼
Current investments50/53€60k€85k▲
Cash at bank and in hand54/58€40k€47k▲
Equity and liabilities
Total equity and liabilities10/49€249k€230k▼
Equity10/15€121k€55k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€118k€52k▼
Amounts payable17/49€127k€175k▲
Amounts payable within one year42/48€127k€175k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€6k€32k▲
Taxes450/3€6k€32k▲
Other amounts payable47/48€119k€134k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€799€2k▲
Gross operating margin9900€15k€90k▲
Operating profit (loss)9901€8k€81k▲
Financial income75/76B€19k€16k▼
Recurring financial income75€19k€16k▼
Financial charges65/66B€72k€2k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€70k-
Profit (loss) for the period before taxes9903€-46k€95k▲
Income taxes67/77€4k€23k▲
Profit (loss) for the period9904€-49k€72k▲
Profit (loss) for the period to be appropriated9905€-49k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€235k€191k▼
Profit (loss) brought forward from the previous period14P€285k€118k▼
Profit to be distributed694/7€117k€138k▲
Return on contributions (dividend)694€117k€138k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 41 days late
2024
31-12
Financial
Weakest financial yearnet €-49k ▼132%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2021net €152k ▲99.2%
Operating result €107k, net result €152k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 6.31
Current ratio from 1.47 to 6.31; short-term debt falls from €96k to €32k.
31-12
Financial
Equity above €200kEq €288k ▲113%
3 profitable years in a row build equity to €288k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Equity above €100kEq €135k ▲130%
2 profitable years in a row build equity to €135k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Edegem · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Henri Dunantstraat 242650 EdegemGround area
323 m²
Building footprint
80 m²
Volume, LiDAR
594 m³
Parcel 11472B0043/00T004, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COBLY
since 20212.315.243.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0043/00T004 | Flanders | 323 m² | 1 · 80 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,153 companies in sector 63920 we hold annual accounts for 1,522. 1,225 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2021
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.